Operational excellence in insurance : performance, digital and customer experience

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      <subfield code="a">Insurers are under more pressure than ever to effectively manage their current operating expense environment. Persistent low investment returns, ever-increasing competitive pressures and enduring excess capacity have hampered the industry's ability grow revenue faster rate of costs. Currently, 25 percent every premium dollar is consumed by expenses, a pattern that has held for past 10 years or longer. These expenses largely kept pace with growth in income among life property & casualty (P&C) carriers, both growing single digits over same time period.
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